Foreign investor & expat loans for Australian expatsforeign income accepted, remote signing

Yes, a subset of lenders on our panel specifically assess foreign income and expat circumstances, rather than requiring Australian employment and payslips. The available lenders and terms depend on which country you're earning in and how that income is documented.

It depends on the currency, the country, and how the income is verified — some lenders apply a discount to foreign income to allow for currency and verification risk, while others accept it close to face value with the right documentation.

Not usually — remote signing and identification processes are standard for expat lending on this panel, though the specific method depends on the lender, the security offered and the type of facility. We confirm what's required for your situation before documents are issued.

⚠ Tax residency status can affect eligibility for certain products and structures, and is a matter for your accountant or tax adviser rather than something the loan process determines. We factor your stated residency into which lenders we approach, but don't provide tax advice ourselves.

Potentially, yes, subject to the same limited recourse borrowing rules as a resident trustee, and to any additional considerations your SMSF adviser identifies around your residency status. The lending mechanics don't change; the eligibility questions sit with your adviser. This is worth raising with your adviser well before a property is under contract.

Yes, low-doc structures exist for expat and self-employed-abroad borrowers, generally using bank statements or an accountant's letter in place of a full financial package, though the panel is narrower than for an Australian-resident low-doc applicant. We confirm which lenders are active in your specific country of residence.

Typically 21–56 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.

Our panel typically funds from $500,000 to $50,000,000+, at 55–70%. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.

First mortgage, with offshore guarantees where required. The stronger and more liquid the security, the sharper the pricing.

No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.